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Need info on 'userfruct'.


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I started a thread here on building a house in CM on a plot of land now owned by a Thai minority woman. She cannot get a bank loan and i might help out.

Someone mentioned that i should take a userfruct from her to hold until the loan i provide is paid off. That way i have some protection against non payment.

However, i know very little about this and do keep a low profile vs. the state legal system. 

If i do get the userfruct, build the house, let her and family live in it while she pays off the loan to me, what happens if i die? Of course i'll never see the $$ but she will get the title back free and easy. 

What if i depart Thailand for home (USA), and never to return due to medical and age?

Must i have some relationship with this woman besides $$ provider and temporary title holder?

Any first hand knowledge of Userfructs will be greatly appreciated.

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